Georgia Bankers Association - The Resource that Empowers

August 15, 2014

 

Wow Your Customers With NCR's Latest ATM and Branch Transformation Solutions

NCR has always been a leader in customer-focused hardware and technology. NCR's family of SelfServTM ATMs and, the company's Branch Transformation Solutions help improve customer satisfaction, and boost customer loyalty. The overall result is greater opportunities for increasing income through improved efficiency and sales volume. For information about co-endorsed NCR SelfServ ATMs and software, Financial Kiosks, APTRA Interactive Tellers and Teller Cash Recyclers, call 877.928.9627; e-mail atm.info@ncr.com.
 

Tune Up Your Overdraft Program and Stay Compliant with John Floyd and Associates

According to industry experts, service charges on deposits have decreased substantially from levels reported just a few years ago. And with ongoing regulatory pressures during that timeframe, the two products that produced the most non-interest income - debit card interchange fees and overdraft/NSF fees - have been greatly restricted. What actions can community banks take to offset the reductions in net non-interest income losses as a result of these pressures? Download and return a Performance Improvement Analysis from GBA Strategic Partner  John Floyd here to find out...
 


Job Bank
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More GBA Products and Services

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BANKSTAT Management Reporting and Analysis Reports

Retirement, Pension and
401(k) Plans


Georgia Financial Directory

Thumbprint Signature Program

Pledging Pool

Credit Committee Digs in to Key Issues for Credit Officers and Lenders

The GBA Credit Committee met this week, and the discussion touched on a number of weighty issues. The committee talked about staff development and training for credit officers and lenders, CFPB issues related to mortgage lending, how technology is changing how they do their jobs and interact with customers and a number of other issues. First Landmark Bank's Terrie Bunten Guthrie chairs the Committee, which also began planning the agenda for the annual GBA Credit Conference. The committee is co-chaired by Mark Wills, Georgia Bank & Trust Company in Augusta. Look for full details about the Conference soon, or go ahead and register now...

 

GBA Public Advocacy Reaches Auto Renting and Leasing Group

An improving banking industry in Georgia and a strong member commitment to business and community customers were the key messages from Joe Brannen, GBA president and CEO (pictured at right with Daimler Trucks’ John Martin, CATRALA president), to the Car and Truck Renting and Leasing Association (CATRALA) Monday. Brannen shared an early look at second-quarter banking results, which again showed a higher percentage of profitable Georgia banks. He also talked about improved family and business finances, increasing regulation and technology as trends. GBA often speaks to banker and business groups to share the story about banking beyond the headlines. Contact Joe Brannen, 404.420.2026, or David Oliver, 404.420.2036, with questions.

 

Second Quarter and Year to Date Comparative Results Available Now via BANKSTAT

Second quarter and year to date comparative financial results and risk ratios are now available from BANKSTAT through our joint partnership with the Center for Excellence in Financial Services at Georgia Southern University. Please find linked copies of the Statistical Ranking Report in PDF format for all community banks headquartered within one of the ten GBA designated groups. The statistical Ranking report is one of seven separate but interrelated reports generated quarterly via BANKSTAT and available on a subscription basis for community banks in Georgia. Find out more about these reports including the popular Board of Directors Summary here...

 

 

Marketing Peer Group - Sept. 9

Marketing Tools, Analytics and Social Media Success to be Shared

Join your bank marketing peers in a few weeks for a day of sharing resources, learning new techniques and professional networking. Our Marketing Peer Group meeting Sept. 9 in Macon will feature a session about modernizing your marketing plan and sharing tools that work for you, a session about website analytics, a look at social media successes from Georgia banks and financial literacy ideas. The Marketing Peer Group will meet on Tuesday, Sept. 9, from 9:30 a.m. - 3 p.m. at the Idle Hour Country Club in Macon. Click here to register and join your marketing colleagues for this valuable session, networking opportunities and more…

 

Connect to Your Peers and GBA with Our Social Channels

Stay connected to GBA and your peers through GBA's social media channels. Our Twitter feed, @GABankers, is a source of breaking industry, GBA and member news. Our Facebook page features member bank community activities, awards and other recognition, as well as photos of members at GBA events and recognition. And, our LinkedIn Group is a way to connect with other banking professionals. Check them all out and join the conversation.

 

Culture of Compliance Essential, says FinCEN

Bank Secrecy Act compliance continues to draw significant regulatory attention. This week the Financial Crimes Enforcement Network (FinCEN) issued an advisory urging banks and others to strengthen their culture of Bank Secrecy Act compliance. "Regardless of its size and business model, a financial institution with a poor culture of compliance is likely to have shortcomings in its BSA/AML program," the advisory says. It lays out six keys to a strong compliance culture, which you can read here. "It's so frustrating to read that kind of statement coming from a regulatory agency when I see how hard our members work to comply with BSA/AML. To suggest banks don't have a ‘culture of compliance' is downright offensive," said GBA president and CEO, Joe Brannen. GBA has resources to help our members with both their overall compliance efforts and specifically addressing BSA. Don't miss the GBA Compliance Conference, Sept. 24-26, which includes a BSA session. Read more about the Compliance Conference below or click here for a lot of other Compliance-related resources from GBA...

 

Compliance Conference Update

Contractor Oversight – The New Norm is Vendor Management

Contract out a product or service -- set and forget it...not any more. Regulators have established numerous and detailed expectations of oversight and management of vendors. And, they are enforcing those expectations in numerous administrative and expensive actions. At the GBA 2014 Compliance Conference, Jimmy Loyless, Managing Partner of GemRay & Associates in Loudon, TN, will discuss those expectations, provide examples of the regulatory actions, and answer your questions. The Compliance Conference will be held Sept. 24-26 at Idle Hour Country Club in Macon. You may choose to register for the full conference, Day 1 only (compliance risk management), or Days 2 and 3 only (loans). Click here for more agenda details, hotel information and online registration. Contact Kathy Friestad, 404.420.2024, with questions.

 

Senior Lender Spotlight-NEW Roundtable added

Senior Lending Officer Roundtables- Additional Group Added

Be sure to reserve your spot for GBA's Senior Lending Officer Roundtables that will start back up in October. Facilitated by Paul Sims, president of Guided Solutions, Franklin, TN, these roundtables will provide an in-depth look at all the latest issues a senior lending officer needs to understand to cultivate new business, evaluate risk and strongly support profitability. There are currently four Roundtables that meet as follows:

  • Roundtable 1:  Tuesdays-Oct. 28, 2014; Feb. 24, 2015; and June 2, 2015, at Idle Hour Country Club, Macon
     

  • Roundtable 2:  Wednesdays-Oct. 29, 2014; Feb. 25, 2015; and June 3, 2015, at The Georgian Club, Atlanta
     

  • Roundtable 3:  Thursdays-Oct. 30, 2014; Feb. 26, 2015; and June 4, 2015, at The Georgian Club, Atlanta
     

  • NEW Roundtable 4:  Mondays-Oct. 27, 2014; Feb. 23, 2015; and June 1, 2015, at the Brickyard Golf Club, Macon

Click here to download the flyer/registration form. With questions, please contact GBA's Alison Moreau at 404.420.2034 or Susie McGehee at 404.420.2010.

 

Credit Score Changes Benefit Consumers

FICO will change the way it calculates credit scores, it announced recently, and the two changes should lead to higher credit scores for some consumers, the company says. FICO said its credit scores won't count past-due accounts that have been paid to a collection agency. And, it will segment medical collection accounts from non-medical collection accounts, a change that could improve some consumers' scores by 25 points, the company said. "This will help ensure that medical collections have a lower impact on the score, commensurate with the credit risk they represent," FICO said.

 

Georgia BankPAC Campaign Update

The GBA StatePAC has reached 48 percent of its goal this week while the GBA FedPAC is at 24 percent. The GBA StatePAC accepts contributions from a state bank or the holding company of a national bank while the GBA FedPAC accepts personal contributions from bank officers, directors and eligible employees. GBA Associate Members and Bank Counsel Members are also encouraged to contribute to the StatePAC. Here are the contribution forms for each PAC with suggested giving amounts for your use. With questions, please contact Elizabeth Chandler at 404.420.2027. Thanks to those that have already made their contributions including these companies that contributed to the GBA BankPAC...

 

 

Loan Documentation Seminar - Sept. 4

Prevention of loan losses through implementation of proper loan structuring and documentation techniques is critical in the banking industry today. Join Mike Allen, executive vice president, State Bank and Trust Company, Atlanta, at GBA's Loan Documentation Seminar as he shares techniques for proper loan documentation. Topics include: background and review, identifying the borrower, identifying the collateral, evidencing the debt, attaching and perfecting the collateral, real estate specifics and much more. Designed for commercial loan officers, commercial loan personnel, loan assistants and closing specialists, the seminar will be held on Sept. 4 at Idle Hour Country Club in Macon. Click here to register for the seminar. With questions, please contact GBA's Danielle Driggers at 404.420.2002.

 

IRA Advanced Update and Workshop - Sept. 25

In a landmark case, the courts and IRS have re-defined the "once-per-12-month" rule. Banks must know about this so their customers can avoid huge IRS tax and penalty pitfalls. At this seminar you will be taught to separate fact from fiction for the more technical areas of IRAs. Too many times so-called experts post things on the internet that are vague or many times fabricated about retirement account rules and regulations. IRAs are a specialized area requiring expertise. Come and learn from one of the most respected IRA experts in the country, Patrice Konarik of Sunwest Training Corp., at GBA's seminar Sept. 25. The seminar will be at The Brickyard Golf Club in Macon. Please click here to register for the seminar. With questions, please contact GBA's Danielle Driggers at 404.420.2002.

 


Key GBA Event Reminders
 

BSA Seminar

 

Aug. 21

Click here to register

 

Bank Director and Executive Management Seminar

 

Aug. 27

Click here to register

 

Loan Documentation Seminar

 

Sept. 4

Click here to register

 

Marketing Peer Group

 

Sept. 9

Click here to register

 

Compliance Conference
 

Sept. 24 - 26

Click here to register

IRA Update and Review Workshop

 

Sept. 25

Click here to register

 

Georgia BankPAC Classic

 

Oct. 1

Click here to register

 

President/CEO Conference

 

Oct. 12 - 14

Click here to register

Bank Accountant Conference

 

Oct. 12 - 14

Click here to register

Bank Counsel Conference

 

Oct. 12 - 14

Click here to register

Financial Risk Management Conference

 

Nov. 4 - 5

Click here to register

 


 

GBA Community Connections

GBA Members Support Local Charities, Provide Financial Counseling and Gather Food Items for Partnership Against Domestic Violence

Click here to read about the latest good works by various GBA members. We want to share all that GBA members do to support their communities. Submit your community information to Bo Brannen and David Oliver.

 

Newsmakers

Read about all the Georgia Bankers making news this week...

 

Boyd

Hopkins

 

Gilbert

Bazemore

 

Read All About It: Send Us Your News

Please remember to include the Georgia Bankers Association on the list of recipients for announcements about promotions, new employees and special recognition your bank has received. We want to share your news with your colleagues across the state. Please forward your announcements and photos to GBA's David Oliver and Bogan Brannen.

 

GBA|U
 

 

BSA Seminar
Aug. 21
Macon


Bank Director and Executive Management Conference
Aug. 27
Macon

Loan Documentation Seminar
Sept. 4
Macon

Marketing Peer Group

Sept. 9

Macon

Compliance Conference
Sept. 24 - 26
Macon

President/CEO Conference
Oct. 12 - 14
Greensboro

Bank Counsel Conference
Oct. 12 - 14
Greensboro

Bank Accountant Conference
Oct. 12 - 14
Greensboro

Webinars

AIB Courses

Compliance Calendar

Lending Calendar

Ops/Tech Calendar

HR Calendar


Asset/Liability Calendar

Management Calendar


Security Calendar

Full GBA-U Calendar

 


Career Paths for Bankers
The 44 most-common bank job descriptions, the skills and competencies you need to have those jobs and links to training and development by job title

50 Hurt Plaza, Suite 1050 | Atlanta, Georgia 30303 | Telephone: 404.522.1501